Flagstar Financial, Inc. (FLG) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 443M | 467M | 425M | 419M | 410M | 461M | 510M | 557M | 624M | 740M | 882M | 900M | 555M | 379M | 326M | 359M | 332M | 322M | 318M | 331M |
| NII Growth % | 8.05% | 1.3% | -16.67% | -24.78% | -34.29% | -37.7% | -42.18% | -38.11% | 12.43% | 95.25% | 170.55% | 150.7% | 67.17% | 17.7% | 2.52% | 8.46% | 4.4% | 4.57% | 12.77% | 24.44% |
| Net Interest Margin % | 0.51% | 0.53% | 0.46% | 0.45% | 0.42% | 0.46% | 0.45% | 0.47% | 0.55% | 0.65% | 0.79% | 0.76% | 0.45% | 0.42% | 0.52% | 0.57% | 0.54% | 0.54% | 0.55% | 0.58% |
| Interest Income | 984M | 1.06B | 1.1B | 1.14B | 1.16B | 1.36B | 1.53B | 1.55B | 1.51B | 1.45B | 1.51B | 1.5B | 1.03B | 681M | 509M | 473M | 429M | 420M | 415M | 431M |
| Interest Expense | 541M | 591M | 676M | 724M | 754M | 897M | 1.02B | 991M | 889M | 707M | 630M | 598M | 479M | 302M | 183M | 114M | 97M | 98M | 97M | 100M |
| Loan Loss Provision | 0 | 3M | 38M | 64M | 79M | 145M | 242M | 390M | 315M | 552M | 62M | 49M | 170M | 124M | 2M | 9M | -2M | 4M | -1M | -4M |
| Non-Interest Income | 55M | 56M | 60M | 77M | 80M | 75M | 113M | 114M | 130M | 138M | 160M | 161M | 97M | 37M | 17M | 18M | 14M | 16M | 15M | 16M |
| Non-Interest Income % | 5.29% | 5.03% | 5.17% | 6.31% | 6.43% | 5.23% | 6.86% | 6.86% | 7.91% | 8.71% | 9.57% | 9.7% | 8.58% | 5.15% | 3.23% | 3.67% | 3.16% | 3.67% | 3.49% | 3.58% |
| Total Revenue | 1.04B | 1.11B | 1.16B | 1.22B | 1.24B | 1.43B | 1.65B | 1.66B | 1.64B | 1.58B | 1.67B | 1.66B | 1.13B | 718M | 526M | 491M | 443M | 436M | 430M | 447M |
| Revenue Growth % | -16.48% | -22.26% | -29.51% | -26.59% | -24.28% | -9.59% | -1.5% | 0.18% | 45.27% | 120.75% | 217.87% | 237.88% | 155.3% | 64.68% | 22.33% | 9.84% | 1.37% | -1.1% | -0.46% | 1.82% |
| Non-Interest Expense | 466M | 475M | 488M | 513M | 532M | 629M | 716M | 705M | 820M | 3.14B | 712M | 520M | -1.52B | 108M | 136M | 138M | 141M | 135M | 135M | 139M |
| Efficiency Ratio | 44.85% | 42.64% | 42.03% | 42.05% | 42.77% | 43.89% | 43.47% | 42.42% | 49.91% | 198.3% | 42.58% | 31.34% | -134.84% | 15.04% | 25.86% | 28.11% | 31.83% | 30.96% | 31.4% | 31.1% |
| Operating Income | 32M | 45M | -41M | -81M | -121M | -238M | -335M | -424M | -381M | -2.82B | 268M | 492M | 2.01B | 184M | 205M | 230M | 207M | 199M | 199M | 212M |
| Operating Margin % | 3.08% | 4.04% | -3.53% | -6.64% | -9.73% | -16.61% | -20.34% | -25.51% | -23.19% | -177.73% | 16.03% | 29.66% | 177.45% | 25.63% | 38.97% | 46.84% | 46.73% | 45.64% | 46.28% | 47.43% |
| Operating Income Growth % | 126.45% | 118.91% | 87.76% | 80.9% | 68.24% | 91.55% | -225% | -186.18% | -118.98% | -1630.98% | 30.73% | 113.91% | 869.57% | -7.54% | 3.02% | 8.49% | 5.61% | 11.58% | 29.22% | 50.35% |
| Pretax Income | 32M | 45M | -41M | -81M | -121M | -238M | -335M | -424M | -381M | -2.82B | 268M | 492M | 2.01B | 184M | 205M | 230M | 207M | 199M | 199M | 212M |
| Pretax Margin % | 3.08% | 4.04% | -3.53% | -6.64% | -9.73% | -16.61% | -20.34% | -25.51% | -23.19% | -177.73% | 16.03% | 29.66% | 177.45% | 25.63% | 38.97% | 46.84% | 46.73% | 45.64% | 46.28% | 47.43% |
| Income Tax | 11M | 16M | -5M | -11M | -21M | -50M | -55M | -101M | -54M | -112M | 61M | 79M | 1M | 12M | 53M | 59M | 52M | 49M | 50M | 60M |
| Effective Tax Rate % | 34.38% | 35.56% | 12.2% | 13.58% | 17.36% | 21.01% | 16.42% | 23.82% | 14.17% | 3.98% | 22.76% | 16.06% | 0.05% | 6.52% | 25.85% | 25.65% | 25.12% | 24.62% | 25.13% | 28.3% |
| Net Income | 21M | 29M | -36M | -70M | -100M | -188M | -280M | -323M | -327M | -2.71B | 207M | 413M | 2.01B | 172M | 152M | 171M | 155M | 150M | 149M | 152M |
| Net Margin % | 2.02% | 2.6% | -3.1% | -5.74% | -8.04% | -13.12% | -17% | -19.43% | -19.9% | -170.66% | 12.38% | 24.89% | 177.37% | 23.96% | 28.9% | 34.83% | 34.99% | 34.4% | 34.65% | 34% |
| Net Income Growth % | 121% | 115.43% | 87.14% | 78.33% | 69.42% | 93.05% | -235.27% | -178.21% | -116.3% | -1672.67% | 36.18% | 141.52% | 1194.19% | 14.67% | 2.01% | 12.5% | 6.9% | -20.91% | 28.45% | 44.76% |
| Net Income (Continuing) | 21M | 29M | -36M | -70M | -100M | -188M | -280M | -323M | -327M | -2.71B | 207M | 413M | 2.01B | 172M | 152M | 171M | 155M | 150M | 149M | 152M |
| EPS (Diluted) | 0.03 | 0.05 | -0.11 | -0.19 | -0.26 | -0.54 | -0.79 | -1.14 | -1.36 | -11.23 | 0.82 | 1.66 | 8.62 | 0.90 | 0.91 | 1.03 | 0.93 | 0.91 | 0.89 | 0.91 |
| EPS Growth % | 110.73% | 108.48% | 86.08% | 83.33% | 80.88% | 95.19% | -196.34% | -168.67% | -115.78% | -1347.78% | -9.89% | 61.17% | 826.88% | -1.1% | 2.25% | 13.19% | 6.9% | -21.55% | 28.99% | 46.77% |
| EPS (Basic) | 0.03 | 0.05 | -0.11 | -0.19 | -0.26 | -0.55 | -0.79 | -1.14 | -1.36 | -11.23 | 0.82 | 1.67 | 8.63 | 0.90 | 0.92 | 1.04 | 0.94 | 0.91 | 0.89 | 0.91 |
| Diluted Shares Outstanding | 466.55M | 458.73M | 415.13M | 415.13M | 414.82M | 348.68M | 366.64M | 293.12M | 246.68M | 240.81M | 241.64M | 241.24M | 229.42M | 179.91M | 155.37M | 155.6M | 155.32M | 154.68M | 154.96M | 154.97M |